No hard pull
The Income Trap
Your W2 shouldn't decide if a cash-flowing property gets funded.
A rental pulling $3,200/mo with a 1.4x DSCR gets rejected because the borrower's personal income looks thin on paper.
America's first AI-native DSCR broker
Most lenders qualify you.
We qualify the property.
Drop an addressDrop a property address — our AI reads the rent comps, runs the DSCR math, and puts your rate on screen in 60 seconds. No W2. No DTI. No 30-day forms.
End-to-end
AI Assisted
14 days
Median Close
60s
To A Term Sheet
0
W2s Required
No hard pull No W2 No DTI
Buying soon? Get pre-qualified in 60 seconds — no property needed →Access to 20+ institutional lenders
The Old Way is Broken
Conventional lenders weren't built for this.
Real estate operators are analytical, move fast, and own through LLCs. The consumer mortgage system was designed for someone buying their first home in 1987.
The Speed Problem
A 45-day close kills deals. Sellers won't wait. Sellers take cash offers.
Conventional purchase mortgages average 45 days from contract to close. In competitive markets, that's the same as not bidding at all. You lose before you start.
The Opacity Problem
Getting a rate quote shouldn't require a 30-day form and a hard pull.
Every time you ask a lender what your rate would be, you're three weeks and a credit inquiry deep before you see a number.
Why DSCR is Different
We fixed how investors get funded. Here's how.
DSCR is a business-purpose loan to an entity borrower — TRID, RESPA, and DTI constraints don't apply. That changes everything.
The property pays the loan. Not you.
No DTI. No tax returns. No employment verification. The rental cash flow (DSCR) carries the file. LLC and entity borrowers are the default — not the exception.
No DTI calculationNo tax returnsNo employment checkLLC/ entity by default
No DTI calculation
See your rate on screen. Right now.
Consumer mortgages are bound by TRID — every quote is a 3-day wait. DSCR is a business-purpose loan, so we render real rate, points, and payment the moment you drop an address. No email gate.
TRID / RESPA exemptLive rate, no email gateNo 3-day waiting periodAI reads rent comps instantly
Close in as little as 14 days.
Closings can be as fast as 14 calendar days. Light docs, parallel underwriting, and a dedicated funder help you compete with cash offers. Timing depends on the file, appraisal and title.
Close in as little as 14 daysFaster than a typical conventional closeParallel underwritingCompete with cash buyers
ProcessFive steps.
Five steps.
No surprises.
The same process for a $200K single-family and a $5M small balance multi. Faster than a conventional loan process.
Step 01 · 45 seconds
Drop the address.
142 Oak Ridge Dr, Atlanta GA 30315
142 Oak Ridge Dr, Atlanta GA 30315Parcel data pulledRent comps loadedMarket trend checkedDSCR calculated
Parcel data pulled
No W2, no tax returns- 1
45 seconds
Drop the address.
We pull the parcel, rent comps, and rent roll automatically. Five fields total. Our AI reads the property so you don't have to.
- 2
90 seconds
See the math.
Rate, points, payment, and DSCR ratio render on screen — no email gate. Adjust the levers and watch the term sheet update live.
- 3
Same session
Pick your rate. Get your term sheet.
Download your indicative term sheet as a PDF — same session, no account, no email gate. Ready to send to your seller or partner.
- 4
Days 1–7
We take it from here.
Light borrower docs only. We schedule the appraisal and underwrite in parallel — never sequentially. Bridge appraisal reused where allowed.
- 5
Day 14
Close.
Wire instructions issued. Median close is 14 calendar days from first address drop. That's 31 fewer days than conventional — $3K–$8K back in your pocket per $500K of loan.
Funded pipeline
Real deals. Real terms.
Don't take our word for it. Here's what we actually funded this month. Anonymized so you can see the math.
Bridge → DSCR
Atlanta, GA
Loan amount
$990K @ 7.99%
ARV
$936.7K
Saved on bridge
$4,074
Refi out of 12% bridge after 31 days. Cash-out at close.
DSCR Purchase
Phoenix, AZ
LTV
75%
DSCR
1.34x
Term
30yr fixed
Closed in
13 days
DSCR + BIFI
Nashville, TN
Loan amount
$972K @ 7.5%
5-unit cash flow
$425/mo
DSCR
1.32x
5-door portfolio refinance, blanket DSCR + BIFI add-on.
DSCR Purchase
Tampa, FL
Loan amount
$415K @ 7.75%
DSCR
1.28x
Days to close
13
New build SFR — funded under target close.
Bridge → DSCR
Still sitting in a 12% bridge? Every day costs you money.
Bridge interest compounds against your margin every day. We can close in as little as 14. Plug your numbers in — see what 30 days back in your pocket actually looks like.
No prepay penalty after 6 monthsRe-uses your bridge appraisal where allowedSame-week underwriting decision
Bridge Savings Calculator
Loan Amount
$400,000
Bridge Rate
12.00%
Days Saved on Exit
31 days
You save
$1,362
over 31 days by exiting the bridge into our DSCR
Daily bleed avoided
$44
Monthly carry saved
$1,318
WHAT OPERATORS SAY
Testimonials
MT
Marcus T.
“I sent the address Monday morning. Had a term sheet by noon. Closed in 11 days. I've never seen anything like it.”
Sandeep R.
“We were stuck in a 12% bridge burning $130 a day. Vested Nest got us out in 13 days. The math was brutal to ignore.”
Jennifer L.
“No W2. No DTI. The LLC owned the property, the rental income covered everything. Exactly what a DSCR lender should be.”
CV
Carlos V.
“Traditional banks took months to underwrite the rent roll. We had clear-to-close in 14 days and secured the asset before the seller walked.”
RK
Rachel K.
“Most lenders run scared from Airbnb revenue. Vested Nest used AirDNA data and locked in a rate that made the cash flow work beautifully.”
DH
David H.
“Fastest draw process I've experienced. We rehabbed a duplex, leased it, and refi'd into a 30-year fixed DSCR without skipping a beat.”
AP
Anita P.
“I thought moving from residential to an 8-plex would be a nightmare. They held my hand through the LLC structuring and closed exactly on time.”
GS
Greg S.
“We were up against our 1031 timeline and our original lender ghosted. These guys stepped in, funded the bridge loan in 9 days, and saved the deal.”
TM
Tyler M.
“Investing from California into the Midwest requires a lender who understands the local yield. They got it instantly. Smooth virtual closing.”
ER
Elena R.
“Unlocked $300k of equity from our stabilised portfolio to fund our next two down payments. No tax returns required. Pure efficiency.”
Zara Q.
“The rate was on my screen before my coffee got cold. Closed under target with zero re-papering.”
MB
Michael B.
“We had five different loans maturing at different times. They wrapped everything into a single portfolio loan with a blended rate that beat the street.”
L. Kim
“Their AI read the rent comps better than my own analyst. Cash-out wired on day 14, exactly as quoted.”
JF
Jonathan F.
“I buy 2-3 turnkey properties a quarter. Vested Nest is the only broker I use now. Send the contract, they send the term sheet. Done.”
SW
Sarah W.
“The transition from construction loan to permanent DSCR was seamless. We didn't have to scramble for a new appraisal or go through underwriting twice.”
OJ
Omar J.
“Got a 90% LTC / 100% Rehab loan with a rate that actually left room for profit. The draw requests were funded within 48 hours every time.”
AD
Amanda D.
“We bought a mismanaged 5-plex. Used their bridge loan to acquire and renovate, then rolled into a 30-year fixed once rents were stabilized. Masterclass execution.”
BC
Brian C.
“As a non-US resident, financing is usually incredibly difficult. They mapped out the entire DSCR process for my US LLC and made it effortless.”
SM
Stephanie M.
“The property had no long-term lease, but the projected short-term rental income was strong. They underwrote the deal based on the asset's potential, not my W2.”
VT
Victor T.
“We had a retail space on the bottom and apartments on top. A lot of lenders won't touch mixed-use, but Vested Nest understood the asset class and funded it in three weeks.”
Drop the address. We'll do the rest
Sixty seconds to a real indicative term sheet. Fourteen days to a closed loan. The property does the qualifying.
No W2No DTINo hard pull14-day close